Ka lōʻihi o ka moraki ma UK
ʻO ka lōʻihi o nā moraki kekahi o nā nīnau koʻikoʻi e kū mai ana i ke kaʻina o ka noi ʻana i moraki. ʻO ka awelika ka lōʻihi o kahi hōʻaiʻē moraki ma waena o 25 a 30 mau makahiki. ʻOi aku ka lōʻihi o ka loaʻa ʻana o ka hōʻaiʻē, ʻoi aku ka liʻiliʻi o nā haʻawina mahina.
Eia nō naʻe, ʻo nā pae mua o ka moraki e hoʻokomo pinepine ʻia nā uku paneʻe i hoʻopaʻa ʻia ma waena o hoʻokahi a me ʻumi makahiki. Hiki i kēia ke huikau, ʻoiai inā he mea hou ʻoe i ka honua o nā moraki. Inā ʻike ʻoe iā ʻoe iho e noʻonoʻo e pili ana i nā ʻokoʻa ma waena o nā uku mua a me ka lōʻihi o ka moraki, e hōʻoiaʻiʻo ʻaʻole ʻoe wale nō.
Ke noi ʻoe i moraki, hoʻoholo ʻoe i ka lōʻihi e pono ai ʻoe e uku. ʻOi aku ka uku o nā moraki lōʻihi i kēlā me kēia mahina akā ʻoi aku ka nui o ke kumukūʻai i ka wā lōʻihi, ʻoiai ʻoi aku ka nui o ka ukupanee e pili ana i ka hōʻaiʻē.
Inā hoʻopaʻa ʻia kahi moraki ma 2019 me kahi hoʻolālā amortization 25-makahiki, e uku ʻia ka moraki holoʻokoʻa ma 2044. Manaʻo ʻia nā ʻōlelo ma lalo o 20 mau makahiki he pōkole a ʻo nā mea i ʻoi aku ma mua o 30 mau makahiki i kapa ʻia he wā lōʻihi.
Nā koho lōʻihi o ka moraki
ʻO ka huaʻōlelo "moraki paʻa" e pili ana i kahi hōʻaiʻē home i loaʻa ka uku panee paʻa no ka manawa holoʻokoʻa o ka hōʻaiʻē. 'O ia ho'i, loa'a i ka moraki ka uku panee mau mai ka ho'omaka a ka pau. ʻO nā moraki uku paʻa nā huahana kaulana no nā mea kūʻai aku e makemake e ʻike i ka nui o kā lākou uku i kēlā me kēia mahina.
Nui nā ʻano o nā huahana moraki ma ka mākeke, akā hiki mai lākou i ʻelua mau ʻano kumu: nā hōʻaiʻē helu hoʻololi a me nā hōʻaiʻē paʻa. Ma nā hōʻaiʻē pākēneka, hoʻopaʻa ʻia ka uku paneʻe ma luna o kekahi kuhikuhi a laila fluctuates, hoʻololi i kekahi mau manawa.
Ma ka ʻaoʻao ʻē aʻe, mālama nā moraki paʻa i ka uku pānaʻi like i loko o ka lōʻihi o ka hōʻaiʻē. ʻAʻole like me nā moraki pākēneka a hiki ke hoʻololi ʻia, ʻaʻole e loli nā moraki paʻa me ka mākeke. No laila, e mau ana ka uku panee ma ka moraki pa'a me ka nānā 'ole i ka pi'i 'ana a i lalo paha ka uku panee.
ʻO nā moraki hiki ke hoʻololi ʻia (ARMs) he ʻano hui like ʻole ma waena o nā hōʻaiʻē paʻa a me nā hōʻaiʻē hoʻololi. Hoʻopaʻa ʻia ka uku paneʻe mua no kahi manawa, maʻamau he mau makahiki. Ma hope, hoʻoponopono hou ʻia ka uku paneʻe i kēlā me kēia manawa, i ka makahiki a i ʻole ka mahina.
moraki manawa pokole
ʻO ke koho ʻana i kahi moraki he mea nui ia o ke kaʻina hana kūʻai hale. ʻO ke koho ʻana i kahi moraki 15-makahiki ma kahi o ka ʻōlelo kuʻuna 30-makahiki ke kani nei me he neʻe akamai, ʻaʻole? ʻAʻole pono. ʻO ke koho ʻana i kahi manawa moraki pōkole loaʻa kekahi mau pōmaikaʻi mālama kālā. Eia nō naʻe, inā haʻahaʻa loa kāu loaʻa kālā no kahi manawa 15-makahiki, ʻoi aku ka liʻiliʻi o ka moraki 30 makahiki i kēlā me kēia mahina. Inā ʻaʻole ʻoe i hoʻoholo e pili ana i ke ʻano o ka moraki e koho ai, e nānā i lalo e ʻike i ka mea kūpono iā ʻoe.
ʻO ka ʻokoʻa nui ma waena o 15-makahiki a me 30-makahiki moraki ke ʻano o ka hōʻiliʻili ʻana o nā uku a me ka ukupanee. Me kahi moraki 15 makahiki, ʻoi aku ka nui o kāu uku o kēlā me kēia mahina, akā e emi ana ʻoe i ka uku panee holoʻokoʻa. Me kahi moraki 30 makahiki, ʻo ka mea ʻē aʻe ka hihia. E hoʻopau ʻoe i ka uku hou aku no kou hale ma muli o ka ukupanee. Akā ʻoi aku ka haʻahaʻa o ka uku moraki.
Ke ho'āʻo nei e hoʻoholo i ka manawa o ka moraki, e noʻonoʻo i ka mea maikaʻi loa no kāu kālā. E ho'āʻo e kaupaona i ka huina kālā. Eia kekahi laʻana, e ʻōlelo mākou makemake ʻoe e ʻaiʻē i $150.000 e kūʻai i hale. Hiki iā ʻoe ke koho ma waena o kahi moraki 15 mau makahiki ma 4,00% a i ʻole 30 mau makahiki moraki ma 4,50%. Ma ka papahana 15 makahiki, ʻo kāu uku e pili ana i $1.110 i kēlā me kēia mahina, ʻaʻole me ka ʻinikua a me nā ʻauhau. E hoʻopau ʻoe i ka uku kokoke i $50.000 i ka ukupanee i ke ola o ka hōʻaiʻē.
Helu helu moraki
He 25 makahiki ka awelika o ka uku no ka moraki. Eia nō naʻe, e like me ka noiʻi ʻana e ka mea hoʻolimalima moraki L&C Mortgages, ua pālua ka helu o nā mea kūʻai mua o kahi moraki 31 a 35 mau makahiki ma waena o 2005 a me 2015.
E ʻōlelo mākou ke kūʻai nei ʻoe i kahi waiwai £250.000 ma kahi 3% a loaʻa iā ʻoe kahi waihona 30%. ʻO ka hōʻaiʻē ʻana i ka £175.000 ma luna o 25 mau makahiki e uku ʻia ʻoe i ka £830 i kēlā me kēia mahina. Inā hoʻohui ʻia ʻelima mau makahiki, e hoʻemi ʻia ka uku mahina i 738 paona, aʻo ka moraki 35 makahiki he 673 paona wale nō i ka mahina. ʻO ia ka 1.104 paona a i ʻole 1.884 paona i emi iho i kēlā me kēia makahiki.
Eia naʻe, pono e nānā i ka ʻaelike moraki e ʻike inā hiki iā ʻoe ke overpay. ʻO ka hiki iā ʻoe ke hana me ka ʻole o ka hoʻopaʻi e hāʻawi iā ʻoe i ka maʻalahi inā loaʻa iā ʻoe kahi hoʻonui a i ʻole ka makani o ke kālā. Hiki iā ʻoe ke uku i ka huina aelike inā paʻakikī nā manawa.
Pono e no'ono'o, no ka mea, e ho'opōkole 'ia ka lō'ihi o ka moraki i kēlā me kēia kālā keu āu e ho'okomo ai i loko o kāu moraki.
